Income has withdrawn these 4 riders for new applications of Enhanced IncomeShield, IncomeShield and IncomeShield Standard Plan as of 1 March 2019 – Plus Rider, Assist Rider, Daily Cash Rider and Child Illness Rider.

Under the guidelines stipulated by the Ministry of Health (MOH), all Integrated Shield Plan (IP) insurers are to incorporate co-payment features in new IP riders. This is aligned with recommendations by the Health Insurance Task Force (HITF) to encourage all stakeholders to play a more active role in managing their medical care costs, and are part of collective efforts to ensure that medical care and health insurance remain accessible and sustainable in Singapore.

MOH has developed a Cancer Drug List (CDL) comprising clinically proven and more cost-effective cancer treatments. From 1 September 2022, MediShield Life (MSHL) and MediSave (MSV) will only cover treatments on the CDL. From 1 April 2023, we have introduced a new Additional Cancer Drug Treatment benefit for your Plus Rider and Assist Rider to supplement your coverage on outpatient cancer drug treatments.

Plus, Assist, Daily Cash and Child Illness Riders

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With Plus Rider[1], you will have to make a 5% co-payment of the benefits due under your policy, up to a co-payment limit of $3,000 for each policy year for treatments provided by medical specialists within our panel[2] or extended panel[3].

Get up to 18x MSHL claim limit monthly for outpatient treatments[4] listed on the Cancer Drug List (CDL), and up to $15,000 monthly for selected cancer drug treatments not listed on the CDL (non-CDL treatments[5]) with the additional cancer drug treatment benefit for one primary cancer.

We have also enhanced the coverage for multiple primary cancers outpatient treatment claims, up to the total of the highest limits among the covered cancer drug treatments[4] on the CDL that are administered for each primary cancer in that month and up to $15,000 monthly on non-CDL treatments[5] for each primary cancer.

You may refer to the Policy Conditions for more details. 

With Assist Rider[1], you will have to make a 10% co-payment of the benefits due under your policy, up to a co-payment limit of $3,000 for each policy year for treatments provided by medical specialists within our panel[2] or extended panel[3].

Get up to 18x MSHL claim limit monthly for outpatient treatments[4] listed on the Cancer Drug List (CDL), and up to $15,000 monthly for selected cancer drug treatments not listed on the CDL (non-CDL treatments[5]) with the additional cancer drug treatment benefit for one primary cancer.

We have also enhanced the coverage for multiple primary cancers outpatient treatment claims, up to the total of the highest limits among the covered cancer drug treatments[4] on the CDL that are administered for each primary cancer in that month and up to $15,000 monthly on non-CDL treatments[5] for each primary cancer.

You may refer to the Policy Conditions for more details. 

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Policy conditions for Plus Rider

Policy conditions for Assist Rider

Policy conditions for Daily Cash Rider

Policy conditions for Child Illness Rider

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Footnotes

  1. Subject to precise terms, conditions and exclusions specified in the policy conditions for Enhanced IncomeShield, IncomeShield Standard Plan, IncomeShield and riders.
  2. Panel or preferred partner means a registered medical practitioner, specialist, hospital or medical institution approved by us. The list of approved panels and preferred partners, which we may update from time to time, can be found at income.com.sg/specialist-panel. Our list of approved panels also includes all restructured hospitals, community hospitals and voluntary welfare organisations (VWO) dialysis centres.
  3. Extended panel means a registered medical practitioner or specialist approved by us to provide cover for the benefits under this rider. The registered medical practitioner or specialist must not also be on our lists of approved panels or preferred partners and must meet other criteria, including being on another Integrated Shield Plan provider’s panel list. The list of our approved extended panel can be found at income.com.sg/specialist-panel. We may update this list from time to time.
  4. For cancer drug treatment on the CDL, the benefit limit for a plan is a multiple of the MSHL Limit for the specific cancer drug treatment. The latest MSHL limits are shown under “MediShield Life Claim Limit per month” in the CDL on Ministry of Health (MOH)'s website (go.gov.sg/moh-cancerdruglist). MOH may update these limits from time to time. The revised list will apply to the cancer drug treatment administered on and after the date the revised list comes into effect.
  5. For outpatient cancer drug treatments not on the CDL, we cover only treatments with drug classes A to E (according to the Life Insurance Association, Singapore’s (LIA’s) Non-CDL Classification Framework). Refer to lia.org.sg/media/3553/non-cdl-classification-framework.pdf for more details. LIA may update the list from time to time.

Exclusions

There are certain conditions whereby the benefits under the plan will not be payable. You can refer to your policy conditions for the precise terms, conditions and exclusions of the plan. The policy conditions will be issued when your application is accepted.

Important notes

Enhanced IncomeShield, IncomeShield Standard Plan and IncomeShield are available as a Medisave-approved Integrated Shield Plan for the insured who is a Singapore Citizen or a Singapore Permanent Resident. This applies as long as the insured meets the eligibility conditions under MediShield Life. If the insured is a foreigner who has an eligible valid pass with a foreign identification number (FIN), Enhanced IncomeShield, IncomeShield Standard Plan and IncomeShield are not available as an Integrated Shield Plan.

This is for general information only and does not constitute an offer, recommendation, solicitation, or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions of these plans in their respective policy conditions. All our products are developed to benefit our customers but not all may be suitable for your specific needs. You should speak to a qualified insurance advisor before you purchase any product. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period and obtain a refund of the premiums paid.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income Insurance or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg) 

Information is correct as at 01 November 2024.

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